38 Walnut St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 38 Walnut St, Lowell, MA 01852

Property Summary

Property Type	Triplex
Details	7 bd · 4 ba · 4,494 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Mar 2016)
Tax Bill	$8,091 (2026)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L09490`

Property Details

APN / Parcel Number

Primary APN	`L09490`
Alternative APNs	`LOWE M:181 B:6095 L:38` `M:000181 T:L09490`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,494 sqft Living Area
Gross Area	6,652 sqft
1st Floor Area	1,878 sqft
Basement Area	1,800 sqft
Unfinished Basement	1,156 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	L09490
Street Address	38 WALNUT ST
City	LOWELL
State	MA
Zip	01852-3421
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TTF
Legal Subdivision	PLAN 3079-A
Legal Block	6095
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2002
Census Tract	312000

Owner

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 WALNUT ST, LOWELL, MA 01852-3421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2016 · Amount on Record
Deed Sale	Mar 30, 2016 · Amount on Record
Prior Sale	Jun 24, 2010
Deed Book / Page	216 / 135
Transfer Doc	000216-135
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	38 WALNUT ST, LOWELL, MA 01852-3421
Document Number	0000302610
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 WALNUT ST LOWELL MA 018523421, LOWELL, MA 01852-3421

Mortgage

Document Number	0000302610
Date	Oct 23, 2019
Instrument	302610

Lender

Name	BAY EQUITY
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$8,091.00 (+4.43%)	$712,900 (+5.63%) Land $130,200 Building $582,700
2025	$7,748.00 (+5.52%)	$674,900 (+9.47%) Land $121,700 Building $553,200
2024	$7,343.00 (+1.93%)	$616,500 (+6.29%) Land $109,800 Building $506,700
2023	$7,204.00	$580,000 Land $95,500 Building $484,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people · EPA ID MA3160000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 744 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fiber · Fixed Wireless	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20